Traditional/Roth IRA Savings

Ready Checking

eChecking

Money Market

Traditional/Roth IRA Money Market

$0

$ .01 - 2,499.99

$ 2,500.00 - 49,999.99

$ 50,000.00 - 99,999.99

$100,000.00 and Over

0.25%

0.45%

0.55%

0.70%

$5 minimum balance is required to maintain a Main Savings account. Fees may reduce earnings on accounts. Rates on savings, money market, and checking accounts are variable and are subject to change after the account is opened.All rates are subject to change without notice. For more information, please call 800-231-1626

* Funds insured up to $500,000 per account by American Share Insurance (ASI). Dividends are earned daily and credited and compounded monthly at the rate which corresponds to your account balance.

Fixed Rate Vehicle Loans

Type

Financing

Annual Percentage Rate (APR)

Term (up to)

New & Used Autos

Up to 100% financing

as low as 2.49%

60 Mos.

as low as 2.64%

72 Mos.

as low as 3.64%

84 Mos.

Based on credit worthiness. Representative Example: A $25,000 loan financed at 3.99% APR for 60 Months would result in 60 payments of $460.30. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Credit Union Policies and procedures. Rates are subject to change without prior notice.

New & Used Motorcycles

Up to 100% financing

as low as 6.24%

24 Mos.

as low as 6.74%

60 Mos.

as low as 7.24%

72 Mos.

Based on credit worthiness. Representative Example: A $15,000 loan financed at 7.74% APR for 60 Months would result in 60 payments of $302.28. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Credit Union Policies and procedures. Rates are subject to change without prior notice.

Based on credit worthiness. Terms vary on the type of RV financed. Representative Example: A $20,000 RV loan financed at 6.74% APR for 72 months would result in 72 payments of $338.49. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Credit Union policies and procedures. Rates are subject to change without prior notice.

20 Year Motor Home

Up to 100% Financing

5.24%

First 60 Mos.

Prime + Margin

Remaining 180 Mos.

Based on credit worthiness. 20-year motor home rate is fixed for the first 60 months and variable (APR subject to increase or decrease) for the remaining 180 months with a 6-month review period. Representative Example: A $75,000 motor home loan financed at 6.24% APR for 240 months would result in 240 payments of $549.11 and and the rate and payments may increase or decrease after the first 60 months. Other restrictions may apply.Floor APR is 5.00%. Maximum APR is 18.00%.

Aircraft Loans

Up to 80% of the appraised value of the aircraft

as low as 7.75%

72 Mos.

as low as 8.25%

120 Mos.

as low as 8.75%

180 Mos.

Based on credit worthiness. Representative Example: A $50,000 loan at 9.00% APR for 120 months would result in 120 payments of $640.16.

Safety Line Open End Loan

N/A

8.49%

N/A

Safety Line rates are based on the Prime Rate as reported in The Wall Street Journal, "plus" a margin between 3.74% and 13.74%. Actual rate will be determined by applicant's credit history. APR is subject to change without prior notice. Representative Example: A $2,500 open-end loan financed at 8.49% with an estimated payoff of 18 months would result in monthly payments of $148.41. Your credit history and loan qualifications may result in a different interest rate and payment.

Signature Loan

N/A

as low as 9.24%

12 Mos.

as low as 9.74%

36 Mos.

as low as 10.24%

54 Mos.

Representative Example: A $5,000 loan financed at 11.24% APR for 54 months would result in 54 payments of $118.40.

Fire Station Loan

N/A

4.99%

36 Mos.

Representative Example: A $2,500 loan financed at 4.99% APR for 36 months would result in 36 payments of $74.92.

Retirement Dinner Loan

N/A

0.91%

3 Mos.

Representative Example: A $2,500 loan financed at 0.91% APR for 3 months would result in 3 payments of $834.60.

Share Secured Loan

N/A

2.00% over current regular share rate

180 Mos.

Representative Example: A $5,000 loan financed at 2.25% APR for 60 months would result in 60 payments of $88.27.

Share Certificate Loan

N/A

2.00% over pledged share rate

Paid at maturity of certificate

Representative Example: A $1,000 loan financed at 2.51% APR for 12 months would result in 1 final payments of $1,025.14.

Credit Cards

Classic Visa

Platinum/CPF Visa

Interest Rates & Interest Charges

Annual Percentage Rate (APR) for purchases

11.99% fixed rate

8.99% - 16.99% variable rate based on your creditworthiness

APR for Balance Transfers

11.99%

8.99% - 16.99%

APR for Cash Balances

11.99%

8.99% - 16.99%

Penalty APR

11.99%

8.99% - 16.99%

Fees

Annual Fee/Setup & Maintenance Fees

None

None

Balance Fees

None

None

Cash Advance

None

None

Foreign Transaction

1% of each foreign transaction in US Dollars

1% of each foreign transaction in US Dollars

Late Payment

$15.00

$15.00

Returned Payment

$22.00

$22.00

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month

Minimum Interest Charge/Minimum Charge

If you are charged interest, the charge will be no less than $1.00

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov

How we calculate your balance: We use a method called "average daily balance (including new purchases)"
Introductory APR: An introductory APR is not available
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement

The information in this disclosure was accurate as of 6/1/15, and after that date is subject to change. Rates are based on the creditworthiness and underwriting guidelines. For current information, call Firefighters First Credit Union at 800-231-1626; write to Firefighters First Credit Union , P.O. Box 60890, Los Angeles, CA 90060

Business

Rates effective as of 6/1/15

Dividend Rates

Business Savings Accounts

Account Type

Min. Balance

Rate / APY*

Regular Shares

$5

0.25% / 0.25%

Secondary Shares

$0

0.25% / 0.25%

Business Money Market Accounts

Account Type

Min. Balance

Rate / APY*

Money Market

$0

0.05% / 0.05%

$2,500

045% / 0.45%

$50,000

0.55% / 0.55%

$75,000

0.55% / 0.55%

$100,000

0.70% / 0.70%

Share Certificates

Account Term

Min. Balance

Rate / APY*

6 Months

$1,000

0.60% / 0.60%

$50,000

0.65% / 0.65%

$100,000

0.70% / 0.70%

1 Year

$1,000

0.70% / 0.70%

$50,000

0.75% / 0.75%

$100,000

0.80% / 0.80%

2 Years

$1,000

1.05% / 1.06%

$50,000

1.10% / 1.11%

$100,000

1.15% / 1.16%

3 Years

$1,000

1.33% / 1.34%

$50,000

1.38% / 1.39%

$100,000

1.43% / 1.44%

5 Years

$1,000

1.87% / 1.89%

$50,000

1.92% / 1.94%

$100,000

1.97% / 1.99%

*APY = Annual Percentage Yield

All rates are subject to change without prior notice.

All Firefighters First Credit Union deposit accounts except for share certificates have a variable rate.

A maximum balance of $200,000 is allowed on Share Certificates and Money Market Accounts. Should you near the maximum balance, please contact the Credit Union to discuss how to split your accounts.

Deposit minimums and withdrawal limitations vary with different account types.

Certificate accounts are subject to penalties for early withdrawal. These accounts are at a fixed rate until maturity. Dividends are calculated daily from day of deposit to day of withdrawal and are posted monthly.

All Savings & IRA Programs: Dividends are calculated daily from day of deposit to day of withdrawal and are posted monthly. These are variable rate accounts and rates may change after account opening.

All accounts are insured up to $500,000 by American Share Insurance, one of the strongest private insurance funds available. This institution is not federally insured, and if the institution fails, the federal government does not guarantee that depositors will get their money back.

Sign Up for Online Banking

Ready to sign up for FIRE OnLine Banking? Follow these instructions or give us a call at 800.231.1626

Log in to FIRE Online at the top of the page by using your member number and the last four digits of your SSN, or if it is a business, the last four digits of your tax ID as your temporary password. You will be prompted to change your PIN through this process.

Having trouble accessing your accounts?

You are leaving our website

Firefighters First Credit Union has no control over information at any site hyperlinked to from this site. Firefighters First Credit Union makes no representation concerning and is not responsible for quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Firefighters First Credit Union of any information in any hyperlinked site. In no event shall Firefighters First Credit Union be responsible for your use of a hyperlinked site.